I will be 59 and have given this MUCH thought -and in this point in my thinking - 30% stocks (diversified -growth/income),30%Money market Treasury funds,10% bond funds (short and intermediate)20-% CD's laddered,and 10% gold/silver - now I am not there yet but that is my thinking at this point - I am no seasoned investor and have asked many a question ,albeit, simple ones ,since I found this forum ,but I think your allocation decisions should strive to consider your needs,wants, tolerance for risk, retirement situation, and amount of time you have to focus on "keeping watch" of your decisions. Hope this helps - it feels good to be able to "give back" for advice I have received in the past- Godd luck!

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